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Who can get a card

If you get NZ Superannuation or a Veteran's Pension, you’ll get a SuperGold Card. Use it to get business discounts, free or discounted council services, and free off-peak travel on public transport.

You automatically get a SuperGold Card when you get NZ Super or a Veteran’s Pension. You do not need to apply.

If you cannot get NZ Super or a Veteran’s Pension, you can still get a card if you’re:

  • 65 or over
  • living in NZ, and
  • intend to stay here.

You can also get a card if you’re:

  • under 65, and
  • included as the partner of someone who’s getting NZ Super or a Veteran’s Pension.

If your partner or spouse has included you in their NZ Super application as a non-qualifying partner, you’ll both get a card when their application has been approved.

Your partner and NZ Superannuation

If you’re a veteran

If you have the right qualifying service in the New Zealand Armed Forces, you can get:

  • a specially designed Veteran SuperGold Card with a poppy and a ‘V’ on it, or
  • if you get a Veteran’s Pension, a combined Veteran SuperGold and Community Services Card.

If you’re the spouse or partner of a veteran but not a veteran yourself, you only get a regular SuperGold Card.

Getting a Veteran SuperGold Card

List of Qualifying Operational Service

When you'll get your card

If you want to start using your card on the day you turn 65, you’ll need to apply for NZ Superannuation or a Veteran’s Pension before your birthday. The earliest you can apply for it is 90 days before your 65th birthday. Once Work and Income tell you that your application has been approved, it’ll take 3 weeks to get your card.

Getting NZ Super or a Veteran’s Pension

If you’re not eligible for NZ Super but you’re eligible for a card, you’ll need to apply at least 3 weeks before you turn 65.

If you need to apply

If you’re getting a benefit before you turn 65

If you’re getting a benefit from Work and Income before you turn 65, you will not be able to apply for NZ Super until you turn 65. This means you will not get your card until at least 3 weeks after you turn 65.

What you can use your card for

Use your SuperGold Card to get business discounts, free or discounted council services, and free off-peak travel on public transport.

Public transport

In most places in New Zealand you can use your card for free or discounted off-peak travel on public transport.

Coping without a car if you’re over 65

Government and council services

You can use your card to get discounts on government and council services. These vary depending on where you live, but they may include:

  • library services
  • rates rebates
  • council housing discounts
  • council swimming pool or fitness centre discounts
  • entry to art exhibitions
  • parking concessions, or
  • dog registration fees.

SuperGold directory

Business discounts

Many businesses offer discounts to card holders. You can search for businesses in your local area using the SuperGold directory.

SuperGold directory

Identification — get your photo added to your card

You can get your photo added to your card. This is useful if you do not have another form of photo identification (ID), but it is not considered an official ID like a driver licence or passport.

To get your photo added to your card:

  1. Get your photo taken at your nearest AA Driver and Vehicle Training Licensing centre. Take your SuperGold Card and 3 forms of ID — your ID documents must be originals, not certified copies.
  2. Phone the Ministry of Social Development (MSD) on freephone 0800 25 45 65 (NZ only) and tell them you’ve had your photo taken. This is all you need to do. The AA sends your photo to MSD.
  3. MSD arranges a new card for you with your photo on it.
  4. Your new card will arrive in the post within 3 weeks.

How long you can use your card for

SuperGold and Veteran’s SuperGold Cards do not expire unless they’re combined with a Community Services Card.

If you have a Community Services Card

Getting a Veteran SuperGold Card

Veterans can get a Veteran SuperGold Card. It has a ‘V’ and a poppy on the front — that is the only difference from a normal SuperGold Card.

If you get a Veteran’s Pension

If you get a Veteran’s Pension, you automatically get a Veteran SuperGold Card. As you’re also entitled to a Community Services Card, the Ministry of Social Development (MSD) will send you a combined Veteran SuperGold and Community Services Card.

Veteran’s Pension

A combined Veteran SuperGold/Community Services Card has an expiry date on the back of the card. Before that expiry date, the Ministry of Social Development (MSD) sends you a replacement card.

If you have a Community Services Card

You can use your card to get:

  • free or discounted off-peak travel on public transport
  • discounts from local and national businesses
  • discounts or concessions from your local council and the government.

You can also get your photo added to your card.

What you can use your SuperGold Card for

Your partner’s card

Your partner gets a regular SuperGold Card rather than a Veteran SuperGold Card.

If you’re a veteran, but do not get a Veteran’s Pension

If you’re not eligible for a Veteran’s Pension you can change your SuperGold Card to a Veteran SuperGold Card if you:

  • are over 65
  • served in the New Zealand Armed Forces, and
  • have qualifying operational service.

List of qualifying operational service

You can only get a Community Services Card with your Veteran SuperGold if you’re eligible for one.

Community Services Card

Apply to change to a Veteran SuperGold Card

Call MSD on freephone 0800 25 45 65 (NZ only). Give them:

  • your SuperGold Card client number — this is on the back of your card
  • the name you used while you were in the Armed Forces, if this is different from your current name
  • your New Zealand Armed Forces service number
  • the branch of the New Zealand Armed Forces you served in
  • the war or emergency you took part in, including information such as your dates of deployment, location(s) and unit.

MSD will confirm with Veterans’ Affairs that you’re eligible before they issue your Veteran SuperGold Card.

If you need to apply

Applying for a card

Complete the application form and post it back to the Ministry of Social Development (MSD) with your identification (ID) documents.

SuperGold Card application form (PDF 383KB)

You can also get a form by:

  • picking one up from a Work and Income office, or
  • asking MSD to send you one.

Email: information@supergold.govt.nz

Freephone: 0800 25 45 65 (NZ only)

ID you can use

Along with your application form, you’ll need to send original or certified copies of:

  • government-issued ID that has your full legal name and date of birth, like:
    • an NZ birth certificate
    • an NZ passport
    • a driver licence
    • a firearms licence, or
    • proof of your residency status in New Zealand
  • 2 documents supporting your identity (one of these has to be at least 2 years old), like your:
    • marriage certificate
    • bank statement
    • phone or power bill.

If you’ve changed your name you need to send proof of this, such as a marriage certificate, deed poll or name change record.

A certified copy is a copy of the original document that has been copied, stamped and initialled by a Justice of the Peace, a solicitor or a Court Registrar. The staff at your local Work and Income office can also certify copies for you.

How long it takes to get your card

If you want to receive your card by your 65th birthday, you’ll need to apply at least 3 weeks before you turn 65.

If you’re already getting a benefit

If you’re getting a benefit from Work and Income before you turn 65, you will not be able to apply until your 65th birthday. This means your card will not arrive until at least 3 weeks after you turn 65.

If you have a Community Services Card

If you have a Community Services Card and a SuperGold Card, you get a combined card. You can use it for healthcare and SuperGold discounts. You’ll need to renew it from time to time.

If you get a Veteran’s Pension, your Veteran SuperGold Card is combined with a Community Services Card.

Community Services Card

If you have a Community Services Card before you get NZ Super

If you had a Community Services Card before you got your SuperGold Card, keep using it until it expires.

If you still need a Community Services Card, you’ll need to apply again. Include your NZ Superannuation when you tell Work and Income about your income. If you’re still eligible, you’ll get a combined SuperGold/Community Services Card. The Community Services Card information is on the back.

When your card is about to expire

A combined SuperGold/Community Services Card has an expiry date on the back of the card. Before that expiry date, the Ministry of Social Development (MSD) sends you either:

  • a replacement card, or
  • a renewal form if your income is close to the set limit.

Income limits

If you get sent a form, complete it and return it to MSD. If you still qualify, you’ll get a new combined card. If you do not qualify, MSD sends you a letter to tell you. They’ll also issue a new SuperGold Card.

If you get a Veteran’s Pension, you’ll automatically get a new combined card before the current one expires.

If you have a Veteran SuperGold Card, but not a Veteran’s Pension

If you have a Veteran SuperGold Card and are eligible for a Community Services Card, you need to apply separately to the Ministry of Social Development (MSD) to get a combined Veteran SuperGold/Community Services Card.

You’ll get sent a new card. It looks like your previous card but it has Community Services Card information on the back.

Community Services Card

If your card is lost or stolen, or you change your name

You can order a replacement card by contacting the Ministry of Social Development (MSD).

Freephone: 0800 25 45 65 (NZ only)
Email: information@supergold.govt.nz

You should get your new card within 3 weeks and it will not cost you anything to replace it.

Expired cards

SuperGold and Veteran’s SuperGold cards do not expire unless they’re combined with a Community Services Card.

If you have a Community Services Card

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